What Insurance?

Insurance companies baffle me. First, they come to us, they beg for an appointment, stuff our mail boxes with their flyers, brochures, blah-blah crap, they call us, lecture us on the benefits that don't exist, give us promises that they know they will definitely not keep, ask us for referrals, and finally we give in. Then, one fine day and out of the blue (or overcast day) they put you ‘on watch’, later on a cold winter morning ‘on warning’ and finally ‘on hold’.('Your call is important to us, please remain on the line' message still exists on their answering service, which should have been deleted long ago, like as if they really care!)

First of all, I think calling themselves an INSURANCE COMPANY is a misnomer. They should call themselves ‘ HPB -High Premium Bully',‘NRTE – No Risk Taken Enterprises’ or something like that. Had they been so called then I would not sign up in the first place. They should not call themselves a ‘company’ as they definitely don’t like to keep it. Nor should they include the word ‘insurance’ in the title as we are not insured for the risk – in fact they are ensured with our money - the premium. The lesser the liability we are for them, the more money they make. Could it be more simpler?

So take care. You should treat them as "high risk" before you sign up. Shop around. Get more assurance in your insurance.